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Customers Bancorp
Customers Bancorp (CUBI) investor relations material
Customers Bancorp Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary23 Jan, 2026
Executive summary
Achieved record core EPS of $7.61 for 2025, up 36% year-over-year, with core ROE of 13.8% and ROA of 1.2%.
Total assets reached $24.9B, loans $16.8B (up 14.5–15%), and deposits $20.8B (up 10–10.3%) as of year-end 2025.
Qubix/cubix payments platform processed over $2 trillion in volume, a 30% increase, with average balances up 24% year-over-year.
Named a Top 10 Performing Bank by American Banker for five consecutive years, including #1 among midsize banks in 2024.
Leadership transition completed with Sam Sidhu appointed CEO effective January 1, 2026.
Financial highlights
Net interest income rose 22% year-over-year to $204M in Q4 and $750.5M for FY 2025, with NIM at 3.40% for Q4.
Core efficiency ratio improved to 45.4% in Q4 2025; full year efficiency ratio was 49.6%.
Non-interest income averaged $30M per quarter, with Q4 at $32.5M, and diversified fee businesses contributing.
Tangible book value per share increased to $61.87 at year-end, up 14% year-over-year.
Subordinated debt issuance added $100M in tier two capital, raising tangible common equity ratio to 8.5%.
Outlook and guidance
2026 guidance targets 8–12% loan and deposit growth, net interest income of $800M–$830M, and non-interest expenses of $440M–$460M.
CET1 capital ratio expected at 11.5–12.5%; effective tax rate projected at 23–25%.
Continued focus on positive operating leverage, team recruitment, payments, and AI/automation for productivity.
AI's role in transforming bank operations
Describe cubiX's competitive moat and barriers to entry
Operational excellence funding future growth initiatives
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Next Customers Bancorp earnings date
Q1 202624 Apr, 2026
Customers Bancorp
Next Customers Bancorp earnings date
Q1 202624 Apr, 2026
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Frequently asked questions
Customers Bancorp Inc is a bank holding company that operates through its subsidiary, Customers Bank, providing commercial and consumer banking services. The company offers a range of financial products, including business and personal loans, deposit accounts, cash management, and mobile banking solutions. It serves small and medium-sized businesses, professional firms, individuals, and institutional clients. The company is headquartered in West Reading, Pennsylvania, and its shares are listed on the NYSE.
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